Pay off your credit cards faster with these 4 easy changes | Your Money and Your Mind
103,534 views ・ 2021-02-03
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Transcriber:
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If you have credit card debt,
you are far from alone.
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翻译人员: Yalan Ma
校对人员: Helen Chang
如果你有信用卡债务,
你并不孤单。
00:03
More than half of Americans
are currently carrying around
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超过一半的美国人
目前担负着信用卡债务。
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some form of credit card debt.
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00:07
And if you're part of that majority
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如果你正好是这一部分人,
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or just want to put some
preventative measures in place,
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或者如果你想及早采取一些预防措施,
00:12
I have four simple changes
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我有四个可以帮你
实现零负债的简单改变。
00:14
that can help you work towards
becoming debt free.
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【你的资金和你的思想】
[Wendy De La Rosa]
00:17
[Your Money and Your Mind
with Wendy De La Rosa]
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00:20
Number one: prioritize your payments
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第一:用正确的方式优化你的还债。
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and prioritize them in the right way.
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00:26
So let's say you have two cards,
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假设你有两张信用卡,
00:27
one with a 200 dollar balance
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一张有200美元待支付,
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and the other with a 1,000 dollar balance.
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另一张有1000美元待支付。
00:31
Which one do you pay off first?
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你会先先偿还哪一张?
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Well, if you're like most people,
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如果你和大多数人一样,
00:35
when people have debt
across multiple credit cards,
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当人们在多张信用卡上负债时,
00:37
they tend to pay off the one
with a lower balance first
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他们更倾向于先还清欠款额低的
因为这比较容易搞定。
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because it feels like an easy win.
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00:42
It feels good.
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这会让你感觉很棒。
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We call this the "completion bias."
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我们把这称为“完成偏差”。
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When you give in to completion bias,
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当你屈服于“完成偏差”时
你会觉得更高效,
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you feel more productive
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00:49
because you're able to
check off quick tasks
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因为你可以很快地
在你的任务清单上勾画掉一些任务。
00:51
from your to-do list.
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00:52
And you might even get a rush of dopamine
while you're doing it.
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你甚至会因为多巴胺上升
而感到愉悦感。
00:55
But rather than looking at the balance --
200 dollars versus 1,000 dollars --
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但是,与其关注欠债额——
200美金或1000美金,
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what you should be looking at
is the interest rate instead.
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你更应该关注利率。
01:03
If you're busy paying off a credit card
with a low interest,
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如果你忙着先还低利率信用卡,
01:06
while the larger-interest-rate card
lingers on and on,
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与此同时你的高利率信用卡
正在不断增息,
01:09
you could be in debt
for much, much longer.
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你的债务只会越来越多。
01:12
You can still work the completion bias
to your advantage.
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你仍然可以用
对你有利的“完成偏差”。
01:15
Here's a quick tip:
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给你一个快速提示:
01:16
think of that 1,000 dollar debt
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把1000美元的债务想成
一系列较小的、可实现的任务。
01:19
as a series of smaller, achievable tasks.
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01:22
For instance, you could decide to pay 100
dollars towards that credit card balance
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比如,你可以计划
每个月还债100美元。
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each month.
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01:28
And each time you pay that 100 dollars,
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每当你还掉100美元,
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you're crossing something
off your to-do list
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你就能在你的任务清单上划掉一项,
以实现高完成度
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and achieving that completion high.
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01:35
You'll not only get that completion high
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这样你不仅有很高的完成度,
01:37
but you'll have something to celebrate.
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你还会有一些值得庆祝的事情。
01:39
Number two: call your credit card company
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第二条:打给你的信用卡公司
要求他们降低你的利率。
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and ask them to lower your interest rate.
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01:44
Get somebody on the phone.
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打电话找人。
01:45
Typically, when you apply
for a credit card,
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通常,你在比较年轻时
或者资金流动有问题时申请信用卡。
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it's either when you're young
or you lack liquidity.
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01:50
And in both instances,
your credit score is lower.
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在这两种情况下,
你的信用评级比较低。
01:53
Your credit score is what lenders
and banks and credit card companies use
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借款人、银行、信用卡公司
通过你的信用评级
01:57
to determine how much
of a risk it would be
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决定借给你钱有多大风险。
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to lend you money.
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02:01
Now, the higher the credit score,
the lower the risk,
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信用评级越高,风险越低,利率越低。
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and the lower the interest rate.
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02:05
Conversely, the lower the credit score,
the higher your interest rate,
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相反,信用评级越低,利率越高,
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and the more money you'll have to pay
in interest in the long run.
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从长远看,你需要支付的利息就越多。
02:12
Over time, with on-time payments,
your credit score improves.
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随着时间的推移,只要你按时付款,
你的信用评级会提高。
02:15
But guess what?
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但是猜猜怎么着?
02:16
Sometimes credit card companies
don't lower your interest rate
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有时候信用卡公司
并不因此降低你的利率。
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as a result.
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02:20
But what we do know is that if you call,
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但是我们知道如果你打电话给他们,
02:22
oftentimes, credit card companies
will loosen up on their interest rates,
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大多数时候,由于你的信用评级提高
信用卡公司都会放宽利率。
02:26
given your credit score improvement.
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02:28
We only have a small sample,
but in my research,
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我们只有一个小的样本量,
但是在我的研究中,
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we invited people to come in,
call their credit card company
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我们邀请大家打给信用卡公司
提出降低利率的请求。
02:34
and make the case for
a lower interest rate.
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02:37
Fifty percent of them were successful.
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他们中百分之五十成功了。
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This is a simple way
of having a fifty-fifty shot
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这是一个成功率有一半的简单的方式
02:42
to save yourself thousands
of dollars on interest.
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让你为自己省出数千元的利息。
02:45
Now, while you have them on the phone,
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当你在给他们打电话时,
02:47
here's tip number three:
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这里是第三条技巧:
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request a change in your payment date.
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请求更改你的还款日期。
02:51
The payment due date
is usually a random day
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还款日期通常是
信用卡公司设置的随机日期,
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that the credit card companies set
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02:55
that doesn't align with your cash flow.
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这个日期通常与你的现金流不一致。
02:57
Now, I want you to think about
when you typically get paid
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现在,我想让你想想你通常
什么时候得拿到工资,
03:00
and what time of the month
you usually have the most cash on hand.
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在一个月中你什么时候有最多的现金。
03:03
Based on that, pick a payment date
that works best for you.
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基于此,选择一个
最适合你的还款日期。
03:07
I've seen that it's easier for people
to pay down their debt
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我发现人们的银行账户中钱多时
更容易偿还债务。
03:10
when they have more money
in their bank account.
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03:12
So if you have credit card debt,
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所以,如果你有信用卡债务,
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choose a new payment date that falls
after your usual payday.
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你应该选一个发薪日后的日子
为你的新还款日期。
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So if you typically get paid on the 15th,
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比如,如果你在15号拿到工资,
03:20
the 16th might be a great day.
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16号就是一个好的还款日期。
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Here's my last tip.
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最后一个技巧。
03:23
Number four: fundamentally change
how often you pay your credit card.
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第四:从根本上改变你还款的频率。
03:28
So for example, if you usually
pay 100 dollars a month
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比如,如果你通常每个月
还100美元的信用卡债务,
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towards your credit card debt,
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03:33
there are 12 months in a year,
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一年有12个月,所以在一年中
你会还1200美元。
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so in a year, you’ll pay 1,200 dollars.
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03:37
Good for you!
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很不错!
03:38
But if you decide to spread
that 100 dollar a month payment
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但如果你决定把那100美元的还款
分散成每周25美元,
03:41
into weekly payments of 25 dollars,
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03:44
you'll end up paying more in the long run,
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从长远来看,你会还的更多,
03:46
because there are 52 weeks in a year.
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因为一年有52个星期。
03:48
That means you’ll end up paying
1,300 dollars instead of 1,200 dollars.
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也就是你最终将偿还1300美元,
而不是1200美元。
03:52
You will also end up
paying less on interest.
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你最后也会付更少的利息。
03:55
It's a natural calendar hack
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这是能自然而然让你受益的日历技巧。
03:57
that you can work to your benefit.
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03:58
And there are even companies
that can help you do this automatically.
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甚至有专门的公司
帮助你自动完成这种还款。
04:02
These changes may seem small and subtle,
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这些改变也许看起来微不足道,
04:04
but you'll be pleasantly surprised
by the huge difference they'll make,
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但你会惊喜地发现
它们将造成巨大差异。
04:07
whether you're overcoming debt
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不管你正在试图摆脱债务
还是只是想避免债务,
04:09
or just trying to avoid it all together.
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04:11
I'll see you next episode
with some more tips.
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我会在下一集给出更多提示。
04:13
Your future self will thank you.
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未来的你会感谢(现在的)你。
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